PNB Housing Finance Limited

rs,

ef: PNBHFL/SE/EQ/FY24/18 May 18, 2023 BSE Limited, Listing Department, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Scrip Code: 540173 Dear Sir(s), National Stock Exchange of India

INR 2,493.76 Crore

of Rights Issue – Subscribed by ~1.21 times • Successful completion of Right Issue in May 2023 of INR 2,493.76 Crore with ~1.21 times subscription • Top 4 shareholders viz PNB, Carlyle, Ares SSG, General Atlantic

INR 518

ty Shares Book Value Per Share Capital Adequacy Ratio 25,95,43,696* fully paid Equity Shares ~INR 518** ~30%** Leverage ~4x** 16,88,55,818 Equity Shares INR 652 31-Mar-23 24% 31-Mar-23 4.87x 31-

30%

ook Value Per Share Capital Adequacy Ratio 25,95,43,696* fully paid Equity Shares ~INR 518** ~30%** Leverage ~4x** 16,88,55,818 Equity Shares INR 652 31-Mar-23 24% 31-Mar-23 4.87x 31-Mar-23

4x

e Capital Adequacy Ratio 25,95,43,696* fully paid Equity Shares ~INR 518** ~30%** Leverage ~4x** 16,88,55,818 Equity Shares INR 652 31-Mar-23 24% 31-Mar-23 4.87x 31-Mar-23 Proceeds will be

INR 652

3,696* fully paid Equity Shares ~INR 518** ~30%** Leverage ~4x** 16,88,55,818 Equity Shares INR 652 31-Mar-23 24% 31-Mar-23 4.87x 31-Mar-23 Proceeds will be utilized to fund strategic growth plans

24%

Equity Shares ~INR 518** ~30%** Leverage ~4x** 16,88,55,818 Equity Shares INR 652 31-Mar-23 24% 31-Mar-23 4.87x 31-Mar-23 Proceeds will be utilized to fund strategic growth plans and capitalize

4.87x

~INR 518** ~30%** Leverage ~4x** 16,88,55,818 Equity Shares INR 652 31-Mar-23 24% 31-Mar-23 4.87x 31-Mar-23 Proceeds will be utilized to fund strategic growth plans and capitalize on the available

2.2%

Issue Public 3 Shareholding Pre & Post Rights Issue Pre - Rights Issue (as on 5th April 2023) 2.2% 6.8% 32.5% 1.9% 4.8% 9.8% 9.9% 3.7% 6.1% 9.8% 9.9% Post - Rights Issue (as on 4th May 20

6.8%

Public 3 Shareholding Pre & Post Rights Issue Pre - Rights Issue (as on 5th April 2023) 2.2% 6.8% 32.5% 1.9% 4.8% 9.8% 9.9% 3.7% 6.1% 9.8% 9.9% Post - Rights Issue (as on 4th May 2023) 3

32.5%

ic 3 Shareholding Pre & Post Rights Issue Pre - Rights Issue (as on 5th April 2023) 2.2% 6.8% 32.5% 1.9% 4.8% 9.8% 9.9% 3.7% 6.1% 9.8% 9.9% Post - Rights Issue (as on 4th May 2023) 3.5% 6.

1.9%

hareholding Pre & Post Rights Issue Pre - Rights Issue (as on 5th April 2023) 2.2% 6.8% 32.5% 1.9% 4.8% 9.8% 9.9% 3.7% 6.1% 9.8% 9.9% Post - Rights Issue (as on 4th May 2023) 3.5% 6.2% To

“• Undertaken various programme under Environment and Water Conservation in MP, Rajasthan, UP, Haryana & Maharashtra • Setting-up a bottle recycling machines in Maharashtra with aim to save approx.”

“No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company.”

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Debentures

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Company

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& “A1(+)” CRISIL 33.3% 32.2% 32.1% 42.2% 11.3% 10.2% NHB Refinance Loan from Banks ECBs Deposits NCDs NHB Refinance Loan from Banks ECBs Deposits NCDs Borrowings INR 53,040 Crore | Total Resource INR 62,128 Crore Borrowings INR 53,655 Crore | Total Resource INR 60,841 Crore ICRA, CRISIL & India Ratings has upgraded the rating outlook to ‘Stable’ from ‘Negative’ As per IND-AS Public 17 • Non-Convertible

Debentures

CARE, CRISIL and ICRA India “AA” by Ratings, • Bank Loans (Long Term): “AA” by CARE and CRISIL • ~67% of the total borrowings is floating • Average daily Liquidity Ratio Coverage maintained at 112% for FY23 against stipulated 60% Financial Highlights – Quarter on Quarter (INR Crore) Revenue 1,420 1,409 1,682 1,794 1,307 1,301 1,613 1,730 1,634 1,601 113 108 69 Q4FY22 Q1FY23 Q2FY23 64 Q3FY23 33 Q4FY23 Expense 1,099 964 135 1,051 1,048 931 116 4 Q4FY22 930 118 Q1FY23 Q2FY23 1,172 1,146 996 1,008 124 52 Q3FY23 143 -5 Q4FY23 Interest Income Fees and other Income Finance Cost Operating Expense Impairment on ’assets held for sale’ Pre-provision Operating Profit Profit Before Tax & Profit After Tax 583 622 487 369 360 311 235 224 170 340 367 263 269 342 279 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Profit Before Tax Profit After Tax Q2 FY23 and Q3 FY23 includes one off benefits on account of rate change on securitised book Opex is net of Cost of Acquisition Public

Company

PNB Housing Finance Limited CIN: L65922DL1988PLC033856 Ms. Deepika Gupta Padhi (Head-Investor Relations & Treasury) Phone: +91 11 23445214 Investor.relations@pnbhousing.com www.pnbhousing.com Public30